BOI MASTER INDIA Domestic Credit Card – Benefits, Fees & Eligibility

Master India Domestic Credit Card

Introduction

The Master India Domestic Credit Card is a classic Master variant card, available with either a photo or non-photo option, designed exclusively for domestic use within India and Nepal. It offers cardholders 2X Reward points on Point-of-Sale (POS) and E-commerce (ECOM) transactions, excluding certain blocked categories. Key benefits include an interest-free credit period of up to 51 days and a revolving credit facility at a preferential rate, making it potentially suitable for salaried individuals due to its convenient billing cycle.

Fees

• Issuance of Master India Domestic Credit Card is discontinued.

Rewards

• Reward Points: Earn 2X Reward points on all Point-of-Sale (POS) and E-commerce (ECOM) transactions. (Excluding Blocked Categories)

Other Details

Card Usage Details

• Geographical Validity: Valid only in India and Nepal for domestic usage.
• Cash Limit: Maximum cash limit is 50% of the spending limit.
• ATM Cash Withdrawal: Maximum amount that can be withdrawn from an ATM is Rs. 15,000 per day.
• Billing Cycle: The billing cycle starts from the 16th of the current month and ends on the 15th of the next month.
• Payment Due Date: Payment is to be made on or before the 5th of the succeeding month, which is typically convenient for salaried individuals.
• Interest-Free Credit: Enjoy an interest-free credit period of up to 51 days.
• Revolving Credit: Access to a revolving credit facility at a preferential rate.
• Add-on Cards: Offers flexible credit limits for add-on cards.

Steps for Card Activation

• Important Note: The card must be activated within 30 days from the date of issuance to avoid its closure, as per RBI Guidelines.
• Through IVR/Toll Free:
  • Dial IVR No: 022 4042 6006 or Toll Free No: 1800220088.
  • Press 1 for English / Press 2 for Hindi.
  • Press 2 for Activation of New Card.
  • Enter your 16-digit full card number followed by #.
  • Enter the Card Expiry Date mentioned on the card in MMYY format.
  • Enter the OTP sent to your registered mobile number.
  • Your card will be activated.
• Through Bank’s Website:
  • Visit https://cclogin.bankofindia.co.in/.
  • Register and login with your Customer ID (registered with the card) and password.
  • Under the "Requests" tab, click on "Card Activation".
  • Select your Card Number.
  • Enter the OTP sent to your registered mobile number.
  • Your card will be activated.
• Through Omni Neo Mobile Banking App:
  • Log into the App and go to the "My Cards" section.
  • The card will appear; click on it to select.
  • Scroll down to the "Activate the card" option.
  • After OTP-based authentication, the card will be activated.

Steps for PIN Generation

• Through IVR/Toll Free:
  • Dial IVR No: 022 4042 6006 or Toll Free No: 1800220088.
  • Press 1 for English / Press 2 for Hindi.
  • Press 4 if you are an existing cardholder.
  • Enter your card number.
  • Press 2 to generate OTP.
  • Enter the OTP sent to your registered mobile number.
  • Press 1 for other queries.
  • Press 1 to generate Card PIN.
  • Enter the OTP sent to your registered mobile number.
  • Enter your desired 4-digit PIN followed by #.
  • Re-enter the 4-digit PIN followed by #.
  • Your PIN will be generated for your card.
• Through Mobile Banking App:
  • Login to the Mobile Banking App with your credentials.
  • Go to the "Card Services" menu, then "Credit Card Services".
  • Select the Active Card for which PIN is to be generated.
  • Select the "Generate PIN" option.
  • Enter the OTP sent to your registered mobile number.
  • Enter your desired 4-digit PIN.
  • Re-enter the 4-digit PIN.
  • Your PIN will be generated for your card.
• Through BOI Credit Control App:
  • Login to the App with your credentials.
  • Select the Card for which PIN is to be generated.
  • Select the "Change Green PIN" option.
  • Enter the OTP sent to your registered mobile number.
  • Enter your desired 4-digit PIN.
  • Re-enter the 4-digit PIN.
  • Your PIN will be generated for your card.
• Through Bank’s Website:
  • Visit https://cclogin.bankofindia.co.in/.
  • Login with your Customer ID (registered with the card) and password.
  • Under the "Requests" tab, click on "Green PIN".
  • Select your Card Number.
  • Enter the OTP sent to your registered mobile number.
  • Enter your desired 4-digit PIN.
  • Re-enter the 4-digit PIN.
  • Your PIN will be generated for your card.

Set Limits and Channels for Card Usage

• Through Bank’s Website:
  • Visit https://cclogin.bankofindia.co.in/.
  • Login with your Customer ID (registered with the card) and password.
  • Under the "Requests" tab, click on "Channel Configuration".
  • Select your Card Number.
  • Enable POS/ATM/ECOM/NFC transaction flags and set the limits as per your requirement.
  • Click on submit to save the changes.
  • Limits will be updated successfully.
• Through Omni Neo Mobile Banking App:
  • Log into the App and go to the "My Cards" section.
  • The card will appear in the window pane; click on it to select.
  • Select the "Set Limits and Channels" option.
  • Enable POS/ATM/ECOM/NFC transaction flags and set the limits as per your requirement.
  • Click on submit to save the changes.
  • Limits will be updated successfully.
• Through Credit Card Control App:
  • Login to the App with your credentials.
  • Select the Card for which Channels and Limits are required to be set.
  • Enable POS/ATM/ECOM/NFC transaction flags and set the limits as per your requirement.
  • Click on submit to save the changes.
  • Limits will be updated successfully.
• Through IVR/Toll Free:
  • Dial IVR No: 022 4042 6006 or Toll Free No: 1800220088.
  • Press 1 for English / Press 2 for Hindi.
  • Press 4 if you are an existing cardholder.
  • Enter your card number.
  • Press 2 to generate OTP.
  • Enter the OTP sent to your registered mobile number.
  • Press 1 for other queries.
  • Enable POS/ATM/ECOM/NFC transaction flags and set the limits as per your requirement.
  • Enter the OTP sent to your registered mobile number.
  • Limits will be updated successfully.

Card Eligibility Criteria

• Applicants: Individuals, Staff/non-staff, private limited companies, partnership firms, public limited companies.
• Income: Customer should have a steady source of income verifiable through Income Tax Returns.

Card Review

The Master India Domestic Credit Card, while offering a decent 2X reward points on common transactions and a generous 51-day interest-free period, is currently discontinued for new issuance. For existing cardholders, it remains a straightforward option for domestic spending in India and Nepal. Its features cater well to individuals seeking basic reward benefits and flexible credit. However, prospective applicants should note its unavailable status for new applications.

Important Product Details

• Positive Highlights:
  • Earns 2X Reward points on POS and ECOM transactions.
  • Provides up to 51 days of interest-free credit.
  • Offers a revolving credit facility at preferential rates.
  • Allows flexible credit limits for add-on cards.
  • Daily ATM cash withdrawal limit of Rs. 15,000.
• Negative Highlights:
  • Issuance of this credit card has been discontinued.
  • Valid only for domestic usage within India and Nepal.
  • Specific blocked categories for reward points are not detailed.